Downloadable computer application software for use on a smart phone or electronic tablet for enabling a user to download a single use purchase transaction card from the user's financial account for use to make a secure payment or purchase transaction over the phone, on the Internet or at a Point of Sale, and enabling the user to download a barcode onto a smart phone or electronic tablet that is swiped at a barcode reader at a Point of Sale check out terminal to make a secure payment of a Point of Sale purchase transaction and to enable the user to electronically transmit payment using near field communication technology to make secure payment of a Point of Sale purchase transaction
Electrical and Scientific Apparatus